Please write an introductory message when you decide to join our thread. We would like to know:a. Who you are:
Rachael. Mom to Keller (2.5 yrs) and Charlotte (6 weeks). Wife to traveling DH (read: I am practically a single mom some weeks and am by myself a lot).
My hang up is that I am ALONE a lot (4-6 days a week every single week) so to compensate for that I spend, spend, spend money that should be going other places (not to the point of destruction but not as good a steward of my cash as I need to be). This also means that when DH is home we as a family want to do fun things together (read: fun = spend money) which is great that we love each other but not so great that we spend money as freely as we do.
Last month I started the challenge and failed (read: did not finish because I was so ashamed)b. Where you are going (your financial goals) and
A)Trying to pay off debt
B) Living on a reduced income due to DH's newer job (20k less than I was making)
C)Trying to swing me being a SAHM for the first time everc. How you plan to get there
Honestly - I need cheerleaders and encouragement
. Reading everyone's successes (and failures) is so encouraging to me - just knowing that there are others out there trying to live wiser helps me a ton.Enjoying what we have
- we have plenty of toys, books, Netflix, etc. Instead of feeling like I need to go out to lunch after church I just need to come home and be thankful for what I have.Cut back on social commitments
- I am all for playdates and fun times but I too often commit to being the host (ie 4 out of 7 days last week we hosted people at our home). Between full meals, snacks and occasional drinks this gets costly.Driving
- Cut back on driving. We can walk or take the train or bus almost anywhere. We get compensated for commuter travel for DH and we never use it all - I need to start using it. Does it take more time - yes BUT it is better for the environment and more exercise for me!
The start of this month should be pretty good because we are traveling for 7 days - I am taking out a planned lump sum of money and trying not to use anything over that amount.
Oops I did it again
: No Driving